2008 Insurance Rates

Medical Individual Without HRA Individual
With HRA		 Individual + 1 Without HRA Individual + 1
With HRA		 Family Without HRA Family With
HRA
Meritain PPO
 $64.00 $54.00
 $205.00
 $195.00 $227.00 $217.00
Meritain Select HMO
 $38.00
 $28.00
 $132.00 $122.00
 $146.00
 $136.00
Meritain CHA HMO
$50.00 $40.00
 $171.00
 $161.00 $188.00
 $178.00
No Coverage
 ($33.00) ($43.00)
 ($33.00) ($43.00)
 ($33.00) ($43.00)
No Coverage - ND Spouse
 -- ($10.00)
 -- ($10.00) -- ($10.00)

NOTE: Rates include medical and prescription coverage
HRA = Health Risk Assessment/WebMD HealthQuotient

Dental
 Individual Individual + 1 Family
*Delta Premier (PPO) - 2008
 $15.42
 $30.56
 $68.00
*Delta Preferred (PPO POS) - 2008
 $20.38
 $41.60 $86.88
*Delta Premier (PPO) - 2009
 $15.42
 $30.56 $68.00
*Delta Preferred (PPO POS) - 2009
 $20.38
 $41.60 $86.88

NOTE: Mandatory two-year enrollment with a guaranteed rate structure.

Vision
 Individual
 Individual + 1
 Family
Eye Med
$8.32
 $15.72
 $23.04

Optional Life Insurance Rates

How to Calculate Your Monthly Rate for Additional Coverage

Step One
Start with the full amount of your coverage (one to ten times your salary) and round up to the nearest thousand. Remember, the maximum is $1,000,000 with proof of insurability.

Example
Jane Doe, a full time employee, is 32 years old and earns $40,000 per year. She has elected life insurance coverage equal to two times her annual salary:

2 X $40,000=$80,000
(If necessary, round up to nearest $1,000)


Step Two
Divide by 1,000
(rates are per month per $1,000)



$80,000 ÷1,000 = 80


Step Three
Multiply 80 by rate below for your age.  In this example, age 32 is $.096/month.



80 x $.096 =$7.68

Jane will pay $7.68 per month for $80,000 of life insurance coverage

When you are calculating your monthly rate, refer to the chart below for the appropriate rate.

Your Age

Monthly Rate per $1,000 of Coverage

< 25 $0.070

25-29

$0.076

30-34

$0.096

35-39

$0.106

40-44

$0.116

45-49

$0.178

50-54

$0.249

55-59

$0.446

60-64

$0.676

65-69

$1.538

70+

$2.060